Getting your paperwork together before you apply can save days. Here’s a simple checklist. Not every lender asks for everything, but having these on hand makes things smoother.
About you
- Photo ID. A driver licence or passport.
- Contact and address details. Including your current address and how long you’ve lived there.
- Employment details. Your employer, role and how long you’ve been there.
Your income
- If you’re employed: recent payslips and, often, bank statements showing your pay.
- If you’re self-employed: recent tax returns and notices of assessment, and sometimes BAS statements or accountant’s letters.
Your commitments
- Details of existing loans, credit cards and buy-now-pay-later accounts.
- A rough picture of your regular expenses.
The asset you’re buying
- A quote, invoice or contract of sale.
- For vehicles, boats and caravans: the make, model, year and, if you have it, the VIN or serial number.
- For a private sale: the seller’s details.
Why we ask for so much
By law, a broker has to make reasonable enquiries about your requirements and finances and take reasonable steps to check the information, to make sure a loan isn’t unsuitable for you. The more complete your information, the quicker that goes.
Not sure what you need? Send an enquiry and we’ll tell you exactly what applies to your situation.
Ready to talk it through?
Send a quick enquiry or call Andrew on 0414 155 647. No obligation.
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